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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,929 | $91,086-34.2% | $203,872-70.6% | $86,983-31.1% |
| Participation rate | 34.0% | 65.8%-31.8pp | 77.8%-43.8pp | 69.5%-35.5pp |
| Annual return | 18.81% | 22.30%-3.5pp | 85.11%-66.3pp | 25.83%-7.0pp |
| Employer contribution / active EE | $2,554 | $2,063+23.8% | $3,757-32.0% | $2,584-1.2% |
| Participant deferral / active EE | $2,324 | $4,019-42.2% | $6,388-63.6% | $4,194-44.6% |
| Admin fee / account holder | $1,834 | $8,987-79.6% | $11,730-84.4% | $7,856-76.7% |